Terms and Conditions

Agreement to Terms

Welcome to lumarexithos's financial planning subscription service. These Terms and Conditions govern your use of our website and services located at lumarexithos.com.

By accessing our website or using our services, you agree to be bound by these terms. If you do not agree with any part of these terms, you should not use our services.

Key Definitions

For clarity, the following terms have specific meanings throughout this agreement:

Service: Refers to the financial planning consultation and guidance provided through our subscription model
User/Client: Any individual who accesses our website or subscribes to our financial planning services
Content: All information, materials, advice, and resources provided through our platform
Subscription: The recurring monthly payment arrangement for accessing our financial planning services

Acceptable Use of Our Service

Our services are designed to provide legitimate financial planning assistance. Your use must comply with these guidelines:

Permitted Uses

Accessing financial planning consultations for personal financial management
Using provided resources and tools for your own financial planning purposes
Communicating with our team about your financial planning needs and goals

Prohibited Uses

Sharing your account access with unauthorized individuals
Using our services for illegal activities or fraudulent purposes
Attempting to disrupt or damage our website or services
Misrepresenting your identity or financial situation during consultations

Your Responsibilities as a Client

To receive effective financial planning services, you agree to:

Provide accurate and complete information about your financial situation
Maintain the confidentiality of your account login credentials
Pay subscription fees on time according to your chosen plan
Notify us of any changes to your contact information or circumstances

Intellectual Property Rights

All content, trademarks, logos, and materials on our website remain the property of lumarexithos. You may use this content for personal financial planning purposes but may not reproduce, distribute, or create derivative works without permission.

Unauthorized use of our intellectual property may result in legal action and immediate termination of service access.

Privacy and Data Protection

Your privacy is important to us. We collect and process personal information in accordance with our Privacy Policy.

Please review our Privacy Policy for detailed information about data collection, use, and protection practices.

Subscription and Payment Terms

Our subscription service operates under the following payment conditions:

Monthly subscriptions are billed in advance on the same date each month
All fees are exclusive of applicable taxes, which will be added to your bill
Failed payments may result in service suspension until payment is resolved

Service Termination

Either party may terminate the subscription relationship under certain circumstances:

You may cancel your subscription at any time with 30 days' notice. We may terminate services for violation of these terms or non-payment of fees.

Service Disclaimers

Our financial planning services are provided "as is" without warranties of any kind, express or implied.

We do not guarantee specific financial outcomes or results from following our recommendations.

Individual results may vary based on personal circumstances, market conditions, and implementation of advice.

Limitation of Liability

To the maximum extent permitted by Australian law, lumarexithos's liability for any claims related to our services is limited to the amount you paid for services in the 12 months preceding the claim.

We shall not be liable for indirect, incidental, or consequential damages arising from your use of our services.

User Indemnification

You agree to indemnify lumarexithos against claims arising from your use of our services, violation of these terms, or infringement of third-party rights.

Resolving Disputes

We prefer to resolve disputes amicably, but formal mechanisms are available if needed:

Arbitration Process

Disputes that cannot be resolved directly may be submitted to binding arbitration under Australian commercial arbitration rules.

EU Online Dispute Resolution

European Union clients may access the Online Dispute Resolution platform for consumer disputes.

EU ODR Platform

Governing Law

These terms are governed by Australian law, and any disputes will be resolved in Australian courts with appropriate jurisdiction.

Severability of Terms

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

Complete Agreement

These Terms and Conditions, along with our Privacy Policy and other referenced policies, constitute the complete agreement between you and lumarexithos regarding our services.

Terms Updates

We may modify these terms periodically to reflect changes in our services or legal requirements.

Material changes will be communicated via email or prominent website notice at least 30 days before taking effect.